Jersey Shore State Bank
Major Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 10.9 and a capital leverage ratio of 8.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Good (5.2) profitability.
Asset Mix:
Home mtgs (20%), comm re (17%), home eq lns (16%), consumer loans (11%), securities (8%), comm loans (6%), cash (1%), other (21%)
States with Branches:
PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Penns Woods Bancorp, Inc.
Investment Rating
--
Address
300 Market Street
Williamsport, PA 17701
Williamsport, PA 17701
Phone Number
(570) 322-1111
Year Founded
1934
FDIC Number
Website
Largest Affiliates
Luzerne, PA
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Bank